Bank statement & 1099 mortgages for Goliad County
If you've been told you 'make too much to qualify on paper' in Goliad County, a bank statement loan is likely your answer. It qualifies you on your deposits, so the income you actually earn is the income that counts. Down payments often start around 10%, with stronger pricing at 15–20%. From Goliad to the surrounding towns, we help Goliad County business owners qualify on their deposits.
Goliad County at a glance
In Goliad County, the median household income is about $68,784 (2024). Self-employed buyers here qualify on bank deposits rather than tax returns — which often supports a higher price than a write-off-reduced return would.
Who qualifies in Goliad County
- Personal or business bank statements both accepted
- Local specialists who structure non-QM loans for Goliad County business owners
- DSCR options too, if you're financing a Goliad County rental on its own cash flow
- Built for 1099 contractors, realtors, gig workers, and small-business owners
From Goliad to the rest of Goliad County, the program is the same: deposits in, qualifying income out, no tax returns required. See your number in about a minute.
Asset depletion: your portfolio is your paycheck
Retirees and business sellers can qualify by converting verified assets into income — commonly eligible assets divided over a set number of months. Cash counts fully, securities and retirement funds at a discount. No employment, no tax returns: the balance sheet does the talking.
Gig income counts — document it right
Uber, DoorDash, Instacart, freelance platforms — lenders aggregate it all as self-employment income. Route payouts into one account, keep your 1099s, and show about two years of history. Bank statement and 1099 loans capture what the apps actually paid you, not what survived your mileage deduction.
ITIN loans: no Social Security number required
Taxpayers who file with an IRS-issued ITIN can buy a home through ITIN mortgage programs — typically 10-20% down, two years of work history, and credit shown by score or alternative trade lines like rent and utilities. Self-employed ITIN borrowers can often qualify with bank statements.